Like most security scenarios, protecting your smartphone is best done by taking basic precautions before something bad happens. You can do a fair amount in just a few minutes and without spending any money.
And it's worth doing. If your phone is lost or stolen, knowing your data is protected will make you glad you took those precautions. And if you think your smartphone has simply burrowed under a cushion, there's nothing quite like the satisfaction that comes with being able to have it make a loud sound on command — even if you've muted your ringer.
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